in the au, sovereign debt is what got the -- in the eu, sovereign debt is what got the eu into trouble. the new rules expand to go beyond sovereign debt, beyond mortgage-backed securities. i think there is a real trade- off here. many of these things will not be liquid when push comes to shove. on the other hand, if you have a very narrow set of liquid assets, if those assets get in trouble, as we learned with the euro crisis, then you have something that is a shock that would not be systemic become systemic and threaten the entire system. the only thing that is truly liquid is cash. the vast majority of us banks today -- u.s. banks today and european banks would already be compliant with these rules. i would go as far as to say that bear stearns would have in compliance with these rules, for instance. , what about taking a chance on the lottery? it has paid off for a couple of people in spain. winning ticket holders have seized more than $1 billion in the national lottery. they have been celebrating their luck. the top ticket was around $260,000. new austerity measures mean they will